A calm first pass for commercial finance. Using the checker does not affect your credit file and is not a credit application.
Using the checker does not affect your credit file. This is not a credit application. Your result is an indicative first pass, and any viable funding pathway is reviewed by a broker before it progresses.
FAQ
Does the eligibility checker replace a full credit assessment?
No. The checker is a public first pass only. It helps identify whether the scenario looks workable, needs broker review, or needs reshaping before a lender assessment.
Why does the checker wait until the visible fields are complete?
Partial answers can create false confidence. The checker waits for the relevant facts before showing a result, because missing timing, security, document, or borrower details can change the pathway.
Will using the checker affect my credit file?
No. The checker is not a credit application and does not run a credit check. It is designed to help borrowers understand the likely next step before formal lender work begins.
What happens if the checker says the deal needs review?
A review result means the scenario is not an obvious no, but lender fit, structure, documents, security, postcode, or timing needs broker judgement before the next move is chosen.
What happens after the checker?
If the first-pass result shows a path worth progressing, continue into Balmoral's full application and broker-review workflow. Call us instead when the transaction is already time-sensitive.
The checker is a public first pass only. It does not replace lender credit assessment or full broker review. Finance is subject to lender approval; terms, fees, rates and eligibility vary by lender and borrower circumstances.